Sre Mortgage Alliance Rates, Fees & Info
SACRAMENTO, CALEI: 549300OEXPP23JR0L272
Tax ID: 95-4462959
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Mortgage Data
Review & Overview
Sre Mortgage Alliance is a smaller mortgage company specializing in Refi and Cash Out Refi loans. Sre Mortgage Alliance has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, San Francisco, San Diego, Riverside, and Phoenix among others. We have data for 56 markets. (Some data included below & more in-depth data is available with an active subscription.)Sre Mortgage Alliance has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Sre Mortgage Alliance is typically an average fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.
We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.
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Originations
376Origination Dollar Volume (All Markets)
$137,800,000Awards
SRE MORTGAGE ALLIANCE - 2021
SRE MORTGAGE ALLIANCE is a 2021 , due to their low .
For 2021, less than of lenders were eligible for this award.
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Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 91 | $39,015,000 | $428,736 | $6,659 | 2.91% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 37 | $15,605,000 | $421,757 | $4,014 | 3.01% |
| SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) | 32 | $13,120,000 | $410,000 | $3,997 | 2.67% |
| RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) | 33 | $12,955,000 | $392,576 | $6,906 | 2.93% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 40 | $11,340,000 | $283,500 | $4,159 | 2.91% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 17 | $6,065,000 | $356,765 | $3,401 | 3.06% |
| SALT LAKE CITY, UT (FHA|USDA|VA) | 15 | $4,855,000 | $323,667 | $4,854 | 2.90% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 9 | $3,745,000 | $416,111 | $4,665 | 2.94% |
| Detroit-Warren-Dearborn, MI (FHA|USDA|VA) | 8 | $2,290,000 | $286,250 | $5,558 | 2.54% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 6 | $2,260,000 | $376,667 | $2,017 | 2.46% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 7 | $2,155,000 | $307,857 | $8,575 | 2.83% |
| OGDEN-CLEARFIELD, UT (FHA|USDA|VA) | 7 | $1,865,000 | $266,429 | $3,399 | 2.78% |
| Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) | 5 | $1,615,000 | $323,000 | $4,321 | 2.71% |
| PROVO-OREM, UT (FHA|USDA|VA) | 4 | $1,350,000 | $337,500 | $5,685 | 2.75% |
| FORT COLLINS, CO (FHA|USDA|VA) | 3 | $1,205,000 | $401,667 | $10,024 | 2.25% |
| HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) | 4 | $1,100,000 | $275,000 | $4,511 | 2.72% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 3 | $995,000 | $331,667 | $4,195 | 2.52% |
| ST. GEORGE, UT (FHA|USDA|VA) | 4 | $960,000 | $240,000 | $4,078 | 3.12% |
| STOCKTON, CA (FHA|USDA|VA) | 2 | $900,000 | $450,000 | $2,134 | 2.94% |
| BAKERSFIELD, CA (FHA|USDA|VA) | 3 | $895,000 | $298,333 | $10,704 | 2.83% |
| COLORADO SPRINGS, CO (FHA|USDA|VA) | 2 | $860,000 | $430,000 | $2,757 | 2.38% |
| SANTA ROSA-PETALUMA, CA (FHA|USDA|VA) | 2 | $690,000 | $345,000 | $3,205 | 3.18% |
| PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) | 2 | $660,000 | $330,000 | $2,776 | 2.99% |
| Cedar City, UT (FHA|USDA|VA) | 3 | $645,000 | $215,000 | $3,373 | 3.17% |
| Outside of Metro Areas | 2 | $600,000 | $300,000 | $5,290 | 2.88% |
| SALINAS, CA (FHA|USDA|VA) | 1 | $545,000 | $545,000 | $5,192 | 2.75% |
| MEMPHIS, TN-MS-AR (FHA|USDA|VA) | 1 | $535,000 | $535,000 | $5,590 | 2.25% |
| MEDFORD, OR (FHA|USDA|VA) | 2 | $530,000 | $265,000 | $3,628 | 2.56% |
| OXNARD-THOUSAND OAKS-VENTURA, CA (FHA|USDA|VA) | 2 | $520,000 | $260,000 | $4,702 | 2.60% |
| VALLEJO, CA (FHA|USDA|VA) | 1 | $505,000 | $505,000 | $1,173 | 2.25% |
| THE VILLAGES, FL (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $7,628 | 2.75% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $470,000 | $235,000 | $2,595 | 2.85% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $3,762 | 2.75% |
| LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $3,844 | 2.75% |
| MODESTO, CA (FHA|USDA|VA) | 1 | $385,000 | $385,000 | $2,847 | 2.63% |
| YUBA CITY, CA (FHA|USDA|VA) | 2 | $380,000 | $190,000 | $2,302 | 2.56% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $365,000 | $365,000 | $2,691 | 2.75% |
| CORVALLIS, OR (FHA|USDA|VA) | 1 | $335,000 | $335,000 | $8,759 | 2.38% |
| Roseburg, OR (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $5,763 | 2.25% |
| SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) | 1 | $315,000 | $315,000 | $1,627 | 2.63% |
| Sebastian-Vero Beach, FL (FHA|USDA|VA) | 1 | $295,000 | $295,000 | $2,937 | 2.25% |
| NAPA, CA (FHA|USDA|VA) | 1 | $285,000 | $285,000 | $0 | 3.13% |
| SAN LUIS OBISPO-PASO ROBLES, CA (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $5,026 | 2.63% |
| Payson, AZ (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $3,099 | 2.88% |
| JOHNSON CITY, TN (FHA|USDA|VA) | 1 | $265,000 | $265,000 | $1,033 | 2.25% |
| MERCED, CA (FHA|USDA|VA) | 1 | $255,000 | $255,000 | $0 | 0.00% |
| EUGENE-SPRINGFIELD, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $2,006 | 2.25% |
| BEND, OR (FHA|USDA|VA) | 1 | $245,000 | $245,000 | $3,573 | 0.00% |
| JACKSONVILLE, FL (FHA|USDA|VA) | 1 | $235,000 | $235,000 | $1,931 | 2.25% |
| INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) | 1 | $225,000 | $225,000 | $2,164 | 2.99% |
| PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,674 | 2.88% |
| CLARKSVILLE, TN-KY (FHA|USDA|VA) | 1 | $205,000 | $205,000 | $2,821 | 2.25% |
| MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $3,630 | 3.45% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $145,000 | $145,000 | $5,532 | 3.20% |
| YUMA, AZ (FHA|USDA|VA) | 1 | $135,000 | $135,000 | $1,000 | 3.38% |
| TUCSON, AZ (FHA|USDA|VA) | 1 | $105,000 | $105,000 | $1,418 | 2.99% |
Similar Lenders
We use machine learning to identify the top lenders compared against SRE MORTGAGE ALLIANCE based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.
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Product Mix
For 2021, Sre Mortgage Alliance's most frequently originated type of loan was Conventional, with 308 originations. Their 2nd most popular type was VA, with 55 originations.
Loan Reason
For 2021, Sre Mortgage Alliance's most frequently cited loan purpose was Refi, with 199 originations. The 2nd most popular reason was Cash Out Refi, with 125 originations.
Loan Duration/Length
For 2021, Sre Mortgage Alliance's most frequently cited loan duration was 30 Year, with 342 originations. The 2nd most popular length was 15 Year, with 22 originations.
Origination Fees/Closing Costs
Sre Mortgage Alliance's average total fees were $5,228, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 140 originations.
Interest Rates
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 2.5-3% | 178 | $65,250,000 | $366,573 |
| 3-4% | 100 | $36,840,000 | $368,400 |
| <2.5% | 78 | $29,210,000 | $374,487 |
During 2021, Sre Mortgage Alliance's average interest rate for loans was 2.89%, while their most frequently originated rate bucket for loans was 2.5-3%, with 178 originations.
Loan Sizing
2021 saw Sre Mortgage Alliance place emphasis on $200k-400k loans with 151 originations, totaling $44,375,000 in origination value.
Applicant Income
Sre Mortgage Alliance lent most frequently to those with incomes in the $100k-150k range, with 111 originations. The second most popular income band? $150k-250k, with 71 originations.
Applicant Debt to Income Ratio
Sre Mortgage Alliance lent most frequently to those with DTI ratios of 20-30%, with 63 originations. The next most common DTI ratio? 30-36%, with 57 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications95.68%
Sre Mortgage Alliance has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination60.37%
Sre Mortgage Alliance has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| NA | 376 | $137,800,000 | $366,489 |